Being a
grown up comes with a few good perks and a lot of responsibilities. You have to
ensure that you are working toward a goal that is clear and break down your
financial plan to small steps. No matter if you are thinking about saving up
for a deposit, building a business, or improving your job situation, you will
never succeed without a plan and some professional advice.

Be Responsible

If you want to grow up and have the financial freedom of
adults, you might want to change your attitude toward money and become more responsible. You need to
understand that every financial decision you make has a positive or negative
impact on your future life, so doing your research and considering your choices
before signing the dotted line is a must. You cannot blame the bank for getting
you into trouble, if you didn’t hold up your end of the bargains. You have to
know the rules and play by them.

Plan Long Term

Young people often have a bad habit of living ne month to
the next or one day at a time. If you would like to have a house and provide
for your family, have holidays, and make the most out of your life, you
certainly have to think decades down the line. You might be Ok living on your
own today on the income you have at the moment. However, once you need more
stability and a better car to drive to work, you will need to change your
attitude and move the goalpost.

Get
Your Foot on the Property Ladder

One of the greatest challenges today’s young adults face is
getting on the property ladder. You will not only need to save up the deposit,
but also have to get a secure job, enough income, not to mention that your
credit rating can still let you down. It is important that you are realistic
about which homes you can afford and think about the return on your investment before you buy
a home. While it is hard to
predict future property trends, you can create a future budget that will help
you manage your finances and

Job Security

Before you can make any larger financial decision, you will
have to think long and hard about your job security. Many people get into money
trouble because they suddenly lose their job and have no alternatives. While
there are no jobs out there that are absolutely safe, it always helps if you
pick up new skills and qualifications, so it is easier for you to find another
position within a short period of time. Today, people don’t stop learning in
their teens or 20s.

Grab That Promotion with Both Hands

In case you have worked hard at college or university to
get qualified, you will need to make the most out of the career opportunities.
If you are not driven when it comes to your career, you will find it hard to
focus on your saving and financial goals. You might think that putting in the
long hours now will not pay off and you would rather do something else, you
might get promoted much faster if you show that you are motivated enough to get
things done.

Look Out for Opportunities

Smart people are actively seeking opportunities, instead of waiting for them to knock on the
door. If you want to make the most out of your life, you will need to look for
ways of improving your life, your skills, and your future. It might involve
taking some risks that most people are not prepared to take. If you find a gap
in the market, you might want to start a business from scratch, gradually
building it up. Alternatively, you can work on a part time gig that will help
you cover your living costs later on.

Have
a Saving Goal

If there is one thing you can do to change your financial
future, it is having a saving goal. From an early age, you should develop an
attitude toward money to save up for larger purchases and reward yourself every
now and then, instead of relying on credit and family members. Having a nice
car or renovating your home feels much better if you know that it is all paid
for, and you don’t have to carry on paying the money and interest back for many
years to come, tying up your income.

Know Your Financial Products

Financial
education should be a part of school curriculum, many experts argue. While
learning about money, loans, and savings at an early age might be useful, you
will only start becoming better and understanding the money concept once you
have an income you need to budget with. When it comes to finding the best credit cards, you need to know where to start looking.
When you start your independent life, you should always ask for help and
advice from older friends and relatives, so you can avoid the common mistakes
many people make.

Start Your Retirement Savings Early

It is
never too early to start saving up for your retirement. Even if you just put 20 dollars aside every
month and skip a night out with your friends, you can grow your money
significantly in the next few decades. Making the right decisions when it comes
to investments and when to take risks when saving up for your retirement is
equally important, if you want to achieve financial independence. What would happen
if you had to work longer than you wanted, or you wanted to relocate to have
the lifestyle you always wanted after you stopped working?

When it comes to being responsible for your life, managing
your money is an essential skill. It is crucial that you pay attention to the
long term goals and the trends, get a good return on your investment, and
secure your future. Learn as much about financial products and investments to
make the most out of your opportunities.

It is never too early to start saving up for your retirement. Even if you just put 20 dollars aside every
month and skip a night out with your friends, you can grow your money
significantly in the next few decades. Making the right decisions when it comes
to investments and when to take risks when saving up for your retirement is
equally important, if you want to achieve financial independence. What would happen
if you had to work longer than you wanted, or you wanted to relocate to have
the lifestyle you always wanted after you stopped working?

When it comes to being responsible for your life, managing
your money is an essential skill. It is crucial that you pay attention to the
long term goals and the trends, get a good return on your investment, and
secure your future. Learn as much about financial products and investments to
make the most out of your opportunities.

What's up! I hope everyone has had a great start to the year so far. I can't believe we are only a couple of hours shy of the 2nd month of the year. Anyway, a little late, but before I dive into the purpose of today's post, I want to briefly make reference to a post I did at the beginning of last year (here). It was about my goals for 2018 and what I wanted to achieve,Which I will highlight below:

3.Improving myself daily, and being authentically me no matter what it costs.

4. Have my modeling career get even bigger.

5. Work out more and reach better fitness goals (think Jasmine Tookesbody).

6. Take much better care of my skin.

Looking back in hindsight, I am startled that I achieved 90% of everything on that list, except for #2, and more (like starting #AprilLashes). Just goes to show that setting goals and believing in your self and God goes a very long way. That being said, it is only right to make a list for this year so here goes.

3.Improving myself daily, and being authentically me no matter what it costs.

4. Have my modeling career get even bigger.

5. Work out more and reach better fitness goals (think Jasmine Tookesbody).

6. Take much better care of my skin.

7. Purchase a new vehicle

8. Travel more

What are some of your goals for 2019?

As you can see one of my goals for this year is to continue to take much better care of my skin, and even though I did that last year, I am going to give it my 110% effort this year by investing in really good products. Also I mentioned that I now have a job that I love working as a Chemist. I love it because it has allowed me to be more aware of harmful chemicals that we unintentionally apply to our skin, therefore has increased my urge to do better research when choosing any skin care products.

OLE HENRIKSEN

I discovered Ole Henriksen while doing a series of You-tube searches on skin care, and I saw nothing but positive reviews. I did my research on all of the ingredients and viola, I was sold. I decided to get the cleanser and facial scrub, which I talk about more in detail on my YT channel here. So far I have been loving both products and I am now looking to get the newly released dark -spot remover toner.

FRESH LOTUS YOUTH PRESERVE MOISTURIZER

Having gone through a series of moisturizers, I started to believe I was never going to find one that worked on my skin. I have a combination skin but I am oily on my forehead and T-zone and it has been a nightmare finding the perfect moisturizer that didn't make me even more oily in those areas since moisturizers come with some type of humectant (e.g. Glycerin) that helps lock in moisture in the skin. The fresh lotus moisturizer is the only one that has come close to helping me maintain soft and supple glowy skin without making me look like I just ran 400m race.

FENTY BEAUTY CONCEALER

Talk about peer pressure. I could't help but drop some coins on the newly released Fenty Beauty concealer in the shade #420. From a chemist's corner, this product is definitely worth the hype. I am so in love. The consistency, formulation and feel on the skin speaks for itself. I have not stopped reaching for it since I purchased it. RiRi and her team definitely outdid themselves on this one. Ok I say no more, go purchase this and see for yourself.

Finally, check out my YouTube channel here to see my review on other products I purchased from Sephora, as well as an in depth review on these products.

Feeling good about
yourself is easier said than done. But the important thing to remember is that
everybody experiences moments of self-doubt. You shouldn’t compare yourself to
others and wish you could be as strong and self-assured as they are. In
reality, building confidence is a case of faking it until you make it. You’ll
increase your self-esteem if you compliment yourself in the mirror, take better
care of yourself, and associate with the right kind of people. These are just a
few examples. Let’s talk in more depth about overcoming self-doubt and
realizing your worth.

The first step to
overcoming self-doubt and realizing your worth is to simply look after
yourself. Often, a negative outlook on life leads to poor health or
poor health leads to that outlook in the first place. Either way, it’s a self-serving
negative cycle. If you want to look and feel better in life then you should
improve your lifestyle. For instance, getting 8 hours of sleep every night
could make a difference. It’ll improve your mental health, so your mindset
might change. It’ll also improve your physical health, so your skin might start
to glow a little more and your metabolism might work a little faster. You’d be
surprised by the impact of a good night’s rest. Additionally, you should focus
on exercising to not only control your waistline but also keep your heart and
mind healthy. If you feel self-conscious about going to the gym or the park to
exercise because of your current weight then you might want to consider your
options. You could check out this liposuction video.
It might be the right option for you if you don’t have the confidence to get
started.

Spend time with loved
ones.

A big part of overcoming
self-doubt and realizing your worth is surrounding yourself with the right people. That
doesn’t mean you need to seek external validation in order to feel good about
yourself; it just means that positivity is a cycle in the same way that
negativity is a cycle. If you surround yourself with people who only strive to
bring you down then you’re going to struggle to realize your worth. Even the
most confident person is affected, to some extent, by the things that other
people say and do. But if you spend time with loved ones then your mindset will
greatly improve. Our worldview is influenced by our family and friends. Your
worldview influences them too. It’s about having that strong support network of
close people in your life. We all need people on whom we can rely, and we all
need to provide that same support for people who need it. In turn, you’ll
overcome your self-doubt and realize your worth.

Obviously, fashion isn’t
the most important thing in the world, but it’s a key part of loving your own
appearance. Humans come in many shapes and sizes, but it’s the clothes we wear
and the way in which we present ourselves that plays a big part in our overall
appearance. This sounds as if it should be self-evident, but many people shy
away from the things they really want to wear because they feel self-conscious
about their natural appearance. The key to fashion, however, is wearing outfits
that flatter your body.

Rather than wearing a
baggy shapeless dress, for example, you could put on a belt to draw it into
your figure and accentuate your natural beauty. You could try wearing slimmer
jeans that fit your curves in a more shapely manner. Once you start feeling
confident in the clothes you wear, you’ll feel confident about the person
staring back at you in the mirror. Obviously, the clothes that feel comfortable
will differ from person to person, but the important thing is that you dress nicely and
feel comfortable about your presentation.

Accept mistakes and move
on.

Everybody makes
mistakes. It’s been said countless times by countless numbers of people, but
that’s because it’s true. The key to overcoming self-doubt and realizing your
worth is embracing your imperfections. You shouldn’t quit even
if you’ve failed at something several times. Perseverance is the key to
becoming better at anything and growing as a human being. If you shy away from
challenges then you’re going to confirm your negative bias.

For example, if you
can’t play guitar then you’re not going to learn by avoiding it. It’s easy to
look at other successful people and imagine that everything they touch turns to
gold, but they had to go through their own process of discovery and learning.
They’ll have made numerous mistakes throughout their lives, and they’ll
continue to do so. If you want to start loving yourself and realizing your
potential then you need to be brave enough to accept mistakes and move on. You
need to cherish every failure as part of the learning curve that is life.

Happy New year guys! Thanks for over 200+ subscribers on my Youtube channel and your overwhelming support on this blog. I hope everyone had a great holiday! Cheers to a bigger and better 2019.In the video below, I wanted to share with you guys a bit more of my culture through our food, and what's more fun than doing it with your friend to show her American side. I hope you like it. It's a long one so grab some snacks to watch :-)